ICICI Lombard General Insurance vs National Insurance Company: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ICICI Lombard General Insurance | National Insurance Company | Period |
|---|---|---|---|
| solvency ratio | 2.00 × | -1.22 × | Q1 FY26-27 |
| fire segment premium(size) | 99719 ₹ lakh | 47154 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 9.8 % | Q1 FY26-27 |
| debentures & bonds(size) | 1372814 INR_lakhs | 422924 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5216 count | 0 count | Q1 FY26-27 |
| motor TP segment premium(size) | 138383 ₹ lakh | 91131 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 33811 ₹ lakh | 13903 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 86.0 % | 105.3 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 60.1 % | Q1 FY26-27 |
| personal accident segment premium(size) | 16238 ₹ lakh | 39683 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 109.3 % | 136.8 % | Q1 FY26-27 |
| underwriting balance ratio | -0.1 % | -36.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 920450 count | 4516 count | Q1 FY26-27 |
| aviation incurred claims ratio | 48.0 % | 63.1 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 83.0 % | 99.9 % | Q1 FY26-27 |
| fire combined ratio | 120.5 % | 117.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 803441 count | 156008 count | Q1 FY26-27 |
| available solvency margin(size) | 1501016 ₹ lakh | -557749 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 36.0 % | 41.7 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 44394 count | 825 count | Q1 FY26-27 |
| operating profit ratio | 3.9 % | -12.8 % | Q1 FY26-27 |
| mutual funds(size) | 141183 INR_lakhs | 117077 INR_lakhs | Q1 FY26-27 |
| other segment premium(size) | 38788 ₹ lakh | 14971 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 52.0 % | 151.1 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 59.0 % | 44.0 % | Q1 FY26-27 |
| net retention ratio(size) | 74.5 % | 85.1 % | Q1 FY26-27 |
| fire incurred claims ratio | 118.0 % | 77.0 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 100.0 % | Q1 FY26-27 |
| book value per share(size) | 340.46 ₹ | -4.87 ₹ | Q1 FY26-27 |
| required solvency margin(size) | 556784 ₹ lakh | 456132 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 140228 ₹ lakh | 43901 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | -335.0 % | 47.9 % | Q1 FY26-27 |
| housing & infrastructure(size) | 19.0 % | 16.8 % | Q1 FY26-27 |
| profit after tax(size) | 403 ₹ crore | -496 ₹ crore | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 21708 INR_lakhs | Q1 FY26-27 |
| aviation segment premium(size) | 2806 ₹ lakh | 2043 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 18.9 % | 10.7 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 2274 ₹ lakh | 231 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 32076 ₹ lakh | 5029 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 109.7 % | 137.6 % | Q1 FY26-27 |
| health segment premium(size) | 297384 ₹ lakh | 149925 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.5 % | 7.8 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1830 ₹ lakh | 1217 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 666612 count | 1329274 count | Q1 FY26-27 |
| liability combined ratio | 100.4 % | 50.7 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 70235 ₹ lakh | 1179 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 478325 ₹ lakh | 172211 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 820242 INR_lakhs | 1314528 INR_lakhs | Q1 FY26-27 |
| Individual Agents premium(size) | 98119 ₹ lakh | 149079 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.4 % | 913.0 % | Q1 FY26-27 |
| engineering incurred claims ratio | 87.0 % | 48.6 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13241 ₹ lakh | 943 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 76.4 % | 98.9 % | Q1 FY26-27 |
| marine hull segment premium(size) | 4343 ₹ lakh | 3347 ₹ lakh | Q1 FY26-27 |
| combined ratio | 107.2 % | 134.4 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 71.0 % | 124.7 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.89 % | 10.69 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 5639 ₹ lakh | 1526 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 2159709 INR_lakhs | 1219327 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 243176 INR_lakhs | 929 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| Corporate Agents – Others policies(size) | 663511 count | 11710 count | Q1 FY26-27 |
| infrastructure & housing(size) | 1106060 INR_lakhs | 255830 INR_lakhs | Q1 FY26-27 |
| debt to equity ratio | 0.00 × | -0.20 × | Q1 FY26-27 |
| profit before tax(size) | 536 ₹ crore | -496 ₹ crore | Q1 FY26-27 |
| personal accident combined ratio | 63.2 % | 86.1 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 25909 ₹ lakh | 11084 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1496026 count | 1896 count | Q1 FY26-27 |
| engineering combined ratio | 85.2 % | 89.1 % | Q1 FY26-27 |
| liability segment premium(size) | 3592 ₹ lakh | 7861 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 98.3 % | 165.4 % | Q1 FY26-27 |
| crop combined ratio | -359.1 % | 76.4 % | Q1 FY26-27 |
| motor od combined ratio | 118.1 % | 141.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 28.8 % | 31.8 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 90 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 8634 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 6.8 % | -13.5 % | Q1 FY26-27 |
| marine hull combined ratio | 40.9 % | 195.6 % | Q1 FY26-27 |
| liability incurred claims ratio | 47.0 % | 7.3 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 21.2 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 107.0 % | 90.3 % | Q1 FY26-27 |
| Brokers policies(size) | 4944886 count | 1425107 count | Q1 FY26-27 |
| MISP (Direct) premium(size) | 21285 ₹ lakh | 264 ₹ lakh | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 50.00 × | -92.00 × | Q1 FY26-27 |
| expense ratio | 36.2 % | 35.4 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 11353 count | 15 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 8318 INR_lakhs | 17 INR_lakhs | Q1 FY26-27 |
| other investments(size) | 206438 INR_lakhs | 60405 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 68.0 % | 103.3 % | Q1 FY26-27 |
| net yield (quarterly) | 1.28 % | 7.06 % | Q1 FY26-27 |
| aviation combined ratio | 58.2 % | 94.9 % | Q1 FY26-27 |
| gross yield (annualized) | 8.18 % | 11.98 % | Q4 FY25-26 |
| gross written premium(size) | 28712 ₹ crore | 16833 ₹ crore | Q4 FY25-26 / FY25-03 |
| net yield (annualized) | 5.52 % | 7.91 % | Q4 FY25-26 |
| claim settlement ratio | 81.0 % | 52.7 % | FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 8.28 % | 4.68 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.